The exposure of major European banks to ecosystem services indicates that considerable value could be jeopardized.

"A new study reveals that large European banks are highly dependent on ecosystem services and significantly exposed to nature-related financial risks. The report, led by the European Commission and the Dutch central bank (DNB), assessed the value at risk from banks’ reliance on services like clean water, pollination, and climate regulation. Findings show that about 28% of the loan portfolio value of these banks depends on ecosystem services — exposing them to financial losses from environmental degradation. The report emphasizes the need for better integration of nature-related risks into financial decision-making and regulatory frameworks. It also supports the EU Biodiversity Strategy for 2030 by underlining the economic risks of biodiversity loss and the benefits of nature-positive investments. The study calls on financial institutions to identify, assess, and manage their nature-related dependencies and impacts to safeguard long-term financial stability."